Automobile insurers offer cheap Indiana car insurance for any person with a good credit background pays their monthly bills on time. To maintain good credit, just pay the credit card bills on time and do not go beyond the spending limits. There are various types of auto insurance discounts you can ask for, like senior driver discounts and low-mileage discounts. Establishing a good credit score will help you in other areas of your life as well, such as renting an apartment, investing in a house or qualifying for other major purchases. Avoiding tickets as well as accidents shows the auto insurer that you're a good risk; they will incentive you by offering a cheaper car insurance premium. Be honest and open about how much you will use your vehicle. Some insurance companies will lower your premium if you prove that you are only going to be driving a short distance to work or school, or if you are driving a low total number of miles per month. And never, ever, drive under the influence of drugs or alcohol. Be as honest and specific as possible so you'll qualify for the best rates where you drive and live.